How to save money on car insurance.

4/12/2016

Because no one likes paying more than they have to.

There are several things you can do to lower the cost of your automobile or car insurance.

1. Look for competitive pricing (price shouldn’t be the only factor when considering an insurance company, having the best coverage and claims service should be considered too).

An independent agent works with many companies and can provide you comparative rates and ensure that you are getting the same coverage. The benefit is that Independent agents do not have one company to offer, they can “shop” around to get you the best prices!

2. Change your deductible. By raising your deductible you may lower the cost of your automobile insurance by almost 10%.

Remember, you must be able to pay the deductible amount in case of a claim!!

Some other ways to save include:

Multiple cars under the same policy
Packaging a homeowners/renters policy with your auto insurance (with the same company of course)
Group/association membership discounts
Education levels
Occupation
Loss free discounts (claim free)
Safe driving course
Continuous insurance
Good student

Something customers tend to forget is that insurance companies consider credit scores and driving records when determining the price of insurance.

Safe driving can pay off in more than one way. Save money by avoiding accidents and violations. That way the insurance company will not surcharge you!

Some companies also give discounts for the length of time that you spend with them. Sometimes switching companies frequently will make you miss out on those discounts. When in doubt, ask your agent!

For families that are thinking of adding a child to their policy listen up!

There are special discounts available to cushion the upcharge for a youthful driver!

Some of those discounts are taking a driving training course and being a good student! It is important to talk to your agent about all possible discounts that might be available and which ones can apply to you!

Further questions or comments? Call us now.

1 Comment

Derek Swain link

7/10/2020 11:11:04 am

I didn't realize that you may be able to receive a discount if you spend an extended period of time with them. I remember my wife mentioning how she would like to find some affordable car insurance before we buy a vehicle that we will use to take our son to school each day. Maybe we should find a quality long-term solution to our insurance needs.

Hello and welcome